Methods and systems for authenticating a user on a call

ABSTRACT

Methods and systems described in this disclosure allow customers to quickly be authenticated. In some embodiments, a device and a user verifier are associated with a user profile. When a call is received from the device, the user may be requested to input the user verifier. After verifying that the device is unique to the user and that the user verifier matches the user verifier associated with the user profile, the user may be authenticated to the call or activity.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.15/389,671, filed on Dec. 23, 2016, entitled “METHODS AND SYSTEMS FORAUTHENTICATING A USER ON A CALL,” now allowed, which is a continuationof U.S. patent application Ser. No. 14/979,941, filed on Dec. 28, 2015,entitled “METHODS AND SYSTEMS FOR AUTHENTICATING A USER ON A CALL,” U.S.Pat. No. 9,531,868, issued on Dec. 27, 2016, which is a continuation ofU.S. patent Ser. No. 14/553,681, filed on Nov. 25, 2014, entitled“METHODS AND SYSTEMS FOR AUTHENTICATING A USER ON A CALL,” now U.S. Pat.No. 9,225,828, issued on Dec. 27, 2016, which is a non-provisional ofand claims priority to U.S. Provisional Application No. 61/993,941,filed on May 15, 2014, entitled “METHODS AND SYSTEMS FOR AUTHENTICATINGA USER ON A VOICELINE,” each of which are hereby incorporated byreference in their entireties for all purposes.

TECHNICAL FIELD

Various embodiments of the present disclosure generally relate toauthentication. More specifically, various embodiments of the presentdisclosure relate to methods and systems for authenticating a user on acall.

BACKGROUND

Customers call into an organization for various reasons such as toinquire about a bill, receive a status update, receive the latestinformation relating to a service the organization provides, or obtaininformation about an account the customer holds with the organization.For example, customers may call to request a status of a financialaccount or insurance claim. Before any information is provided, thecaller may be asked to provide authenticating information, generally inthe form of personally identifying information.

BRIEF DESCRIPTION OF THE DRAWINGS

Embodiments of the present disclosure will be described and explainedthrough the use of the accompanying drawings in which:

FIG. 1 illustrates an example of a network-based operating environmentin accordance with various embodiments of the disclosure;

FIG. 2 is a block diagram illustrating components that can be includedin a call system in accordance with various embodiments of thedisclosure;

FIG. 3 is a flowchart illustrating a set of operations forauthenticating a user in accordance with various embodiments of thedisclosure;

FIG. 4 is a flowchart illustrating a set of operations for enrolling auser and/or device in a quick access service and authenticating the userusing the quick access service in accordance with various embodiments ofthe disclosure;

FIG. 5 is a flowchart illustrating a set of operations for enrolling auser and/or device in quick access service and authenticating the userusing the quick access service in accordance with various embodiments ofthe disclosure;

FIG. 6 is a flowchart illustrating a set of operations for enrolling auser in a quick access service in accordance with various embodiments ofthe disclosure;

FIG. 7 is a flowchart illustrating a set of operations for enrolling auser in a quick access service in accordance with various embodiments ofthe disclosure;

FIG. 8 depicts an example of a user interface that can be used to selectpreferences in accordance with various embodiments of the disclosure;and

FIG. 9 illustrates an example of a computer system with which someembodiments of the present disclosure may be utilized.

The drawings have not necessarily been drawn to scale. For example, thedimensions of some of the elements in the figures may be expanded orreduced to help improve the understanding of the embodiments of thepresent disclosure. Similarly, some components and/or operations may beseparated into different blocks or combined into a single block for thepurposes of discussion of some of the embodiments of the presentdisclosure. Moreover, while embodiments of the present disclosure areamenable to various modifications and alternative forms, specificembodiments have been shown by way of example in the drawings and aredescribed in detail below. The intention, however, is not to limit thedisclosure to the particular embodiments described. On the contrary, thedisclosure is intended to cover all modifications, equivalents, andalternatives falling within the scope of the disclosure.

DETAILED DESCRIPTION

Various embodiments of the present disclosure generally relate toauthentication. More specifically, various embodiments of the presentdisclosure relate to methods and systems for authenticating a user on acall.

Methods and systems are described that allow users to more efficientlybe authenticated during a call. In traditional systems, a user providesidentification information such as a member number, name, socialsecurity number, or other personal information. Then, to verify theuser's identity, the user is asked to provide verification informationsuch as a birth date, address, name of childhood best friend, mother'smaiden name, etc. The verification information is then compared topreviously collected information. If the verification information isdetermined to be correct based on a comparison with the previouslycollected information, the user is authenticated, allowing the user toproceed with the call and/or to partake in activities (e.g., transferfunds, withdraw money, file an insurance claim, etc.).

The user may find the traditional authentication process burdensome. Forexample, some users forget their member number or other verificationinformation. Often times, users are hesitant to give out their socialsecurity number. Additionally, the traditional authentication processmay be inefficient from the organizational perspective. For example, theuser may be calling on a toll-free line in which the organization ischarged per minute. Thus, the faster the user is authenticated, the lesscost the organization will incur. In some cases, the authenticationprocess described herein is accomplished via an interactive voiceresponse system. Alternatively, the authentication process may takeplace while the user speaks with a customer service representative.

This disclosure describes efficient authentication processes designed toreduce inefficiences in the authentication process during calls. Variousembodiments may provide one or more of the following technologicalimprovements: 1) improved authentication techniques and systems within acall system; 2) improved security and confidentiality by reducingtransmission of passwords, social security numbers, account numbers, andother confidential information; 3) improved user experience by removalor reduction of security prompts without loss of security; 4) reductionof call time by improving user authentication and verificationtechniques; and/or 5) improving automated user and device identificationand/or verification.

In some embodiments, the user may be enrolled in a quick access service,allowing the user to be authenticated to a call or activity on a callsimply by providing (e.g., inputting or speaking) a user verifier. Aunique identifier or unique device identifier (e.g., phone number) and auser verifier (e.g., personal identification number (“PIN”)) may beassociated with a user profile of a user. When the user calls anorganization on the device, the organization may identify the user basedon the unique identifier or unique device identifier. If the user and/ordevice are enrolled in the quick access service, the user can simplyinput the user's user verifier. Once the user verifier is verified, theuser may be authenticated.

In one or more embodiments, the user verifier does not includepersonally identifiable information and may be selected by the user. Insome embodiments, the system may monitor device registration and onlyallow a device to be associated with one user prior to being enrolled inthe quick authentication service. More than one device may be associatedwith the user profile and more than one device may be enrolled in orenabled for the quick access service. In various embodiments, the quickaccess service may be enabled or enrolled for more than one device for auser.

In some embodiments, a user enrolled in the quick access service maycall the organization on a device that is not associated with the user'suser profile. In such cases, the user may be authenticated using methodsother than the quick access service (e.g., the user may be required toprovide personally identifying information). After authentication, ifthe user is eligible, the user may be asked whether the user would liketo add the device to the user's user profile and enable quick accessservice for the device.

If a user or device is not enrolled in the quick access service and theuser or device is eligible for enrollment, an enrollment offer may bemade to the user. In some embodiments, the quick access service programenrollment offer may be made only if the user has not been previouslyasked within a certain period of time. In some embodiments, when anenrollment request is made, the request date and time may be logged.

In the following description, for the purposes of explanation, numerousspecific details are set forth in order to provide a thoroughunderstanding of embodiments of the present disclosure. It will beapparent on reading the disclosure, however, to one skilled in the artthat embodiments may be practiced without some of these specificdetails.

Moreover, the techniques introduced here can be embodied asspecial-purpose hardware (e.g., circuitry), as programmable circuitryappropriately programmed with software and/or firmware, or as acombination of special-purpose and programmable circuitry. Hence,embodiments may include a machine-readable medium having stored thereoninstructions that may be used to program a computer (or other electronicdevices) to perform a process. The machine-readable medium may include,but is not limited to, floppy diskettes, optical disks, compact discread-only memories (CD-ROMs), magneto-optical disks, ROMs, random accessmemories (RAMs), erasable programmable read-only memories (EPROMs),electrically erasable programmable read-only memories (EEPROMs),magnetic or optical cards, flash memory, or other type ofmedia/machine-readable medium suitable for storing electronicinstructions.

FIG. 1 illustrates an example of a network-based operating environment100 in which some embodiments of the present disclosure may be used. Asillustrated in FIG. 1, operating environment 100 may includeapplications 105A-105N running on one or more computing devices110A-110N (such as a mobile device, a mobile phone, a telephone, atablet computer, a mobile media device, a mobile gaming device, avehicle-based computer, a dedicated terminal, a public terminal, desktopor laptop computer, a kiosk, etc.). In some embodiments, applications105A-105N may be stored on one or more of computing devices 110A-110N ormay be stored remotely on a server (in the “cloud”). These computingdevices can include mechanisms for receiving and sending traffic byconnecting through network 115 to call system 120 and data stores 125and 130.

Computing devices 110A-110N may be configured to communicate via thenetwork 115 with call system 120. In some embodiments, computing devices110A-110N can retrieve or submit information to call system 120 and runone or more applications with customized content retrieved by callsystem 120 and data stores 125 and 130. For example, computing devices110A-110N can execute a browser application or a customized client toenable interaction between the computing devices 110A-110N, call system120, and data stores 125 and 130.

Network 115 can include any combination of local area and/or wide areanetworks, using both wired and wireless communication systems. In oneembodiment, network 115 uses standard communications technologies and/orprotocols. Thus, network 115 may include links using technologies suchas Ethernet, 802.11, worldwide interoperability for microwave access(WiMAX), 3G, 4G, CDMA, digital subscriber line (DSL), etc. Similarly,the networking protocols used on network 115 may include multiprotocollabel switching (MPLS), transmission control protocol/Internet protocol(TCP/IP), User Datagram Protocol (UDP), hypertext transport protocol(HTTP), simple mail transfer protocol (SMTP) and file transfer protocol(FTP). Data exchanged over network 115 may be represented usingtechnologies and/or formats including hypertext markup language (HTML)or extensible markup language (XML). In addition, all or some links canbe encrypted using conventional encryption technologies such as securesockets layer (SSL), transport layer security (TLS), and InternetProtocol security (Ipsec).

Call system 120 can be running on one or more servers and can be used tocreate user profiles, enroll users and devices in a quick accessservice, identify users, verify users, authenticate users, check callhistory, route calls, or to perform other activities. Call system 120may be communicably coupled with data stores 125 and 130 and computingdevices 110A-110N and may communicate, access or receive data (e.g.,identification information, verification information, tokens, voiceauthentication services, etc.) from computing devices 110A-110N and datastores 125 and 130. Call system 120 may be associated with a membershiporganization, and the users may be members or potential members of themembership organization. The organization may be a financial institutionand/or an insurance company.

The quick access service provided by call system 120 may be customizedfor callers based on information received through various userinterfaces running on computing devices 110A-110N or other interactions,communications, and/or other inputs (e.g., e-mails, tokens, and/orcommunications via other channels). Call system 120 can becalibrated/configured by individual companies or service providers basedon user needs and/or business objectives. For example, companies mayhave different routing procedures or different authenticationrequirements.

In some cases, call system 120 may receive a call and communicate withdata stores 125 and 130 to determine an enrollment status of the callingdevice and/or the user based on a device identifier (e.g., phone numberof device). The user may be identified based on the device identifier ifthe device is associated with the user profile. If the user is enrolledin the quick access service and the quick access service is enabled forthe device, call system 120 may authenticate the user after the userprovides a user verifier to verify the user's identity. If the quickaccess service for the device is not enabled (i.e., the device is notenrolled), the user may be asked whether the user would like to add thedevice into the user's user profile so that the user may beauthenticated via the quick access service for future calls on thisdevice. If the user or the device is not enrolled, the user may be askedwhether the user wants to be enrolled and whether the user wants toenable the device for quick access service.

In some embodiments, all users are eligible for quick access servicewhereas in other embodiments, only certain users are eligible for quickaccess service. In other embodiments, a caller profile may be createdand used in conjunction with other profiles, scores, and/or businesspractices to determine whether the user may be interested in enrollingin quick access service. For example, the user generally may not beoffered enrollment if the user has denied previous enrollment offers inthe past six months. However, if the user's spouse or other relative hasenrolled in the quick access service in recently (e.g., past month orother predetermined amount of time), the user may be offered enrollmentregardless of the previously declined enrollment offers. In someembodiments, call system 120 includes various data processing andanalytic tools that allow for the monitoring and evaluation of users anduser information retrieved from data stores 125 and 130.

Data stores 125 and 130 can be used to manage storage and access to userdata such as call history, registered user devices, useridentifications, user identifiers, user verifiers, voice profiles, tokenIDs, financial information, authentication history, user preferences,member identification numbers, device fingerprints, personalidentification numbers, the period of time in between last enrollmentoffers, a last enrollment request date, and other information. Datastores 125 and 130 may be a data repository of a set of integratedobjects that are modeled using classes defined in database schemas. Datastores 125 and 130 may further include flat files that can store data.Call system 120 and/or other servers may collect and/or access data fromthe data stores 125 and 130.

FIG. 2 is a block diagram illustrating components that can be includedin a call system such as call system 120. According to the embodimentsshown in FIG. 2, call system 120 may include memory 205, processor(s)210, profile module 215, call receiving module 220, enrollment statusdetermining module 225, identification module 230, verification module235, authentication module 240, enrollment module 245, call historymodule 250, and graphic user interface (GUI) generation module 255.Other embodiments of the present disclosure may include some, all, ornone of these modules and components along with other modules,applications, and/or components. The modules illustrated in FIG. 2 maybe hardware, firmware, software, or a combination thereof. Someembodiments may incorporate two or more of these modules into a singlemodule and/or associate a portion of the functionality of one or more ofthese modules with a different module.

Memory 205 can be any device, mechanism, or populated data structureused for storing information. In accordance with some embodiments of thepresent disclosure, memory 205 can encompass any type of, but is notlimited to, volatile memory, nonvolatile memory, and dynamic memory. Forexample, memory 205 can be random access memory, memory storage devices,optical memory devices, magnetic media, floppy disks, magnetic tapes,hard drives, SIMMs, SDRAM, DIMMs, RDRAM, DDR RAM, SODIMMS, erasableprogrammable read-only memories (EPROMs), electrically erasableprogrammable read-only memories (EEPROMs), compact discs, DVDs, and/orthe like. In accordance with some embodiments, memory 205 may includeone or more disk drives, flash drives, one or more databases, one ormore tables, one or more files, local cache memories, processor cachememories, relational databases, flat databases, and/or the like. Inaddition, those of ordinary skill in the art will appreciate manyadditional devices and techniques for storing information which can beused as memory 205.

Memory 205 may be used to store instructions for running one or moreapplications or modules on processor(s) 210. For example, memory 205could be used in one or more embodiments to house all or some of theinstructions needed to execute the functionality of profile module 215,call receiving module 220, enrollment status determining module 225,identification module 230, verification module 235, authenticationmodule 240, enrollment module 245, call history module 250, and GUIgeneration module 255.

Profile module 215 may be capable of creating a user profile thatincludes a user verifier and one or more device identifiers, among otherinformation. The user verifier is associated with a user. In someembodiments, the user verifier may need to be established and known bythe user prior to enrollment in the quick access service. Profile module215 may assign the user verifier or may receive a selection of a userverifier from the user. The device identifier identifies the device andmay be information collected or received from the device (e.g., a phonenumber, device fingerprint, etc.). The device identifier may be uniquein that the device identifier is unique to the device. The user profilemay include information such as employer, birth date, familial status,financial information, etc. Fields that may be included in the userprofile include, but are not limited to: first name; last name; membernumber; birth date, gender; marital status; citizenship; militarystatus; military rank; home phone number; business phone number; cellphone number; mobile device ID; personal computer IP address; homeaddress; vehicle year, make, and model; and user voice print.

A user profile may have more than one associated device and the user maychoose which devices to enroll in the quick access service. For example,the user may have a cellular phone and a home phone that is shared withfamily members. The user may choose to associate both devices with auser profile of the user but may choose only to enroll the cellularphone for the quick access service because other family members may callthe organization from the home phone and/or may associate the home phonewith their user profiles.

Call receiving module 220 may be capable of receiving a call from a userover a communications network. The call may be made via a mobile device,landline telephone, laptop, desktop, or other device capable of making acall. When the call is being made, call receiving module 220 may collector receive a device identifier or a unique identifier such as a phonenumber, device fingerprint, IP address, etc. The device identifier orthe unique identifier is collected passively, meaning that the user doesnot have to take an action to provide the device identifier or theunique identifier.

Enrollment status determining module 225 may be capable of determiningan enrollment status of a device and/or user in the quick accessservice. For example, call receiving module 220 may send the deviceidentifier to enrollment status determining module 225, and enrollmentstatus determining module 225 may determine whether the user and/or thedevice associated with the device identifier is enrolled in the quickaccess service.

To determine whether the user is enrolled in the quick access service,enrollment status determining module 225 may receive an identity of theuser from identification module 230 and determine whether the user isenrolled in the quick access service by checking the user profileassociated with the device. To determine whether the device associatedwith the device identifier is enrolled in the quick access service,enrollment status determining module 225 may determine whether thedevice in the user profile is enrolled in the quick access service.

If enrollment status determining module 225 determines that the userand/or the device is not enrolled in the quick access service,enrollment status determining module 225 may communicate the enrollmentstatus to enrollment module 245 to determine whether the user and/ordevice is eligible to be enrolled in the quick access service and tooffer enrollment accordingly.

Identification module 230 may be capable of identifying the user basedon the device identifier of the calling device. If the device identifieris not associated with a user profile, the user may be asked to identifyhimself or herself (e.g., name, member number, etc.) and provideverification (e.g., social security number, birthday, etc.). If thedevice identifier is associated with a user profile, then the user maybe identified automatically and verification module 235 may verify theuser.

Verification module 235 may be capable of receiving identificationinformation from identification module 230 or the user and verifying theidentity of the user. For example, after the user has been identifiedvia the device identifier, the user may be asked to input a userverifier (e.g., “I see you are calling from a device in your profile.Please enter or say your PIN.”). Verification module 235 may compare theuser verifier with previously stored information to verify the user'suser verifier. If verification module 235 cannot verify the user,verification module 235 may request additional information from the user(e.g., social security number, birth date, member number, etc.) and/ortransfer the call to a representative.

Authentication module 240 may be capable of authenticating the user tothe call and/or to an activity when verification module 235 verifies theidentity of the user. In some embodiments, the user is authenticated toa certain level (e.g., if the user provides certain information, theuser can access additional information or partake in additionalactivities). Authenticating via the quick access service may provide aheightened level of authentication because authentication via the quickaccess service uses two-factor authentication (e.g., the user has beenidentified by something that the user has (e.g., device) and verifiedwith something that the user knows (e.g., PIN)).

Enrollment module 245 may be capable of determining whether the userand/or device are eligible for enrollment. Enrollment module 245 maythereafter enroll the user and/or device in the quick access service ifthe user/device is eligible and if enrollment is desired. Eligibilityfor a user may depend on whether the user has disabled or opted out ofthe quick access service as determined by call history module 250 and/orwhether the user knows the user's user verifier. If the user has optedout or disabled the quick access service, the device may still beeligible for quick access; however, the quick access service may not beallowed because the user has expressed a preference of opting out.

Eligibility for adding the device to the quick access service for a usermay depend on whether the device is associated with another userprofile. That is, in some embodiments, if the device is associated withanother user profile, the device is not eligible for enrollment in thequick access service. In some embodiments, if the device is later addedto a different user's user profile, the device may no longer be eligiblefor the quick access service. Additionally, if fraud has been detectedeither at the user level or at the device identifier or uniqueidentifier level, the quick access service may be deactivated.

If the user and/or device are eligible for enrollment, enrollment module245 may further determine whether an enrollment offer should be made tothe user. For example, if the user has been provided with an enrollmentoffer within a previous period of time, enrollment module 245 maydetermine that the user should not be presented with an enrollment offerat this time (e.g., do not offer to the user if the user has been askedwithin the past six months).

If the user and/or device is eligible for enrollment and should bepresented with an enrollment offer as determined by enrollment module245, enrollment module 245 may offer enrollment to the user. If the userresponds positively to an enrollment offer (i.e., wants to be enrolled),enrollment module 245 may enroll user and/or device by updating a userprofile associated with the user to reflect the enrollment of the userand/or device. In some embodiments, the user chooses to be enrolled inthe quick access service and has several devices previously associatedwith the user's user profile. During enrollment, the user may enroll orenable all eligible devices associated with the user profile or onlyselected devices. Enrollment may take place during any interaction withthe user. For example, enrollment may take place during a call to theorganization, on a mobile application, on a web portal, or through atext message. In some embodiments, the default device to enroll is theuser device the user uses the most to call the organization. In someembodiments, the default device is the device being used to make thecall. In some embodiments, the user is enrolled at the user level. Forexample, if a user has 1 to n devices associated with the user's userprofile, each device that is eligible for the quick access service isenrolled when the user accepts the quick access enrollment. In otherembodiments, the enrollment request for the quick access serviceincludes providing a selection of device identifiers or uniqueidentifiers to enroll in the quick access service and the user canselect which device identifier or unique identifier should be enrolled.

In some embodiments, the user is required to provide a user verifier inorder to enroll in the quick access service. If the user does not knowthe user verifier or if the user verifier is locked out (e.g., the userguessed wrong too many times) or the user needs to establish a userverifier, the user may be routed to a representative. Once the userknows his/her user verifier, the user can enroll.

Call history module 250 may be capable of reviewing the user's callhistory and maintaining a record of enrollment offers made to the user.Such information may be used by enrollment module 225 in determiningwhether an enrollment offer should be made to the user. For example, ifthe user has been asked recently (e.g., past three months) whether theuser would like to enroll in the quick access program, the user will notbe offered enrollment. Or, if the user has opted out of enrolling aparticular device in the service, then call history module 250 ensuresthat enrollment module 245 does not offer enrollment for that device.

GUI generation module 255 is capable of generating one or more GUIscreens that allow for interaction with a user. In at least oneembodiment, GUI generation module 255 generates a graphical userinterface receiving and/or conveying information to the user. Forexample, GUI generation module 255 may display an enrollment status ofthe user and the device.

FIG. 3 is a flowchart illustrating a set of operations 300 forauthenticating a user during a call as described herein. In someembodiments, fewer than all of the operations are performed, whereas inother embodiments additional operations are performed. Moreover, in someembodiments, the operations may be performed in different orders or inparallel. The operations can be performed by call system 120 and/orvarious components of call system 120 illustrated in FIG. 2 such asmemory 205, processor(s) 210, profile module 215, call receiving module220, enrollment status determining module 225, identification module230, verification module 235, authentication module 240, and GUIgeneration module 255.

Receiving operation 310 receives a call at an organization (e.g., phonebank, server, call system, etc.) from a user. The system may collect orreceive a device identifier from the device, which is used byidentifying operation 320 to identify the user. In some embodiments,identifying operation 320 may use the device identifier to retrieve auser profile associated with the device identifier. Verifying operation330 verifies the user by asking the user for verifying information, suchas a PIN, and checking the verifying information with verifyinginformation in the user profile. Authenticating operation 340authenticates the user when the user is verified.

FIG. 4 is a flowchart illustrating a set of operations 400 forauthenticating a user during a voice call as described herein. In someembodiments, fewer than all of the operations are performed, whereas inother embodiments additional operations are performed. Moreover, in someembodiments, the operations may be performed in different orders or inparallel. The operations can be performed by various components in FIGS.1 and 2 such as memory 205, processor(s) 210, profile module 215, callreceiving module 220, enrollment status determining module 225,identification module 230, verification module 235, authenticationmodule 240, enrollment module 245, call history module 250, and GUIgeneration module 255.

In FIG. 4, receiving operation 405 receives a call at an organization(e.g., phone bank, server, call system, etc.). Collecting identifieroperation 410 collects a device identifier, such as a phone number ofthe device. If the device identifier cannot be obtained, then the quickaccess service is bypassed and typical authentication procedures areused. In some embodiments, the organization receives a phone numberwhich is used as the device identifier. The organization may determinewhether the phone number is a certain number of digits (e.g., tendigits). When the phone number is not the required number of digits,then quick access service is bypassed. When the phone number is therequired number of digits, quick access service enrollment may bechecked.

Determining quick access enrollment status operation 415 determineswhether the device is enrolled in a quick access service. In someembodiments, determining quick access enrollment status operation 415checks an enrollment status of a user associated with the deviceidentifier to determine whether the user is enrolled in the quick accessservice. Thereafter, if the user is enrolled in the quick accessservice, determining quick access enrollment status operation 415determines whether the device is enrolled in the quick access service(e.g., the user may be enrolled but may have only enrolled certaindevices for the quick access service).

When the device is determined to be enrolled in the quick accessservice, decision operation 420 branches to device identifier checkingoperation 425. Device identifier checking operation checks whether thedevice identifier is associated with more than one user. If the deviceis associated with only one user, then the user may be authenticatedusing the quick access service and device identify checking operationbranches to requesting operation 430. Requesting operation 430 requestsverification information from a user (e.g., a PIN) to ensure theidentity of the user. Once the verification information is verifiedusing verification operation 435, the user is authenticated inauthentication operation 440.

If device identifier checking operation 425 determines that the deviceidentifier is associated with more than one user or with no users, thendevice identifier checking operation 425 branches to non-quickauthentication operation 445 where the user is authenticated usingnon-quick access service authentication methods may include verifyingpersonally identifiable information (e.g., social security number),verifying a secure token, etc.

If decision operation 420 determines that the device is not enrolled inquick access service, decision operation 420 branches to authenticationoperation 450. During authentication operation 450, the user isauthenticated using a non-quick access service authentication method(e.g., the user provides a social security number and additionalpersonal information).

After authentication using the non-quick access service authenticationmethod, determination operation 455 determines whether the device and/oruser is eligible for quick access service (e.g., the user may beineligible if the user has opted out of the service, the device may beineligible if it is associated with more than one user profile, etc.).If the device/user is not eligible for the quick access service,eligibility decision operation 460 branches to proceeding operation 465where the user proceeds with the voice call without receiving an offerof the quick access service.

On the other hand, if determination operation 455 determines thedevice/user is eligible for quick access service, eligibility decisionoperation 460 branches to historical offer decision operation 470.Historical offer decision operation 470 determines whether an offer forquick access service was made within a certain time period (e.g., theprevious 90 days). When historical offer decision operation 470determines that an offer was made within the previous time period,historical offer decision operation 470 branches to proceeding operation465 where the call proceeds without making a quick access serviceenrollment offer. If historical offer decision operation 470 determinesan offer was not made within the previous time period, historical offerdecision operation 470 branches to offering operation 475 where an offeris made to the user to enroll the user/device in the quick accessservice.

In response to the offer generated by offering operation 475, enrollingdecision operation 480 receives an indication that the user does want toenroll in the quick access service, does not want to enroll in the quickaccess service, or receives no response. If the user does not want toenroll or no response is received, enrolling decision operation 480branches to logging operation 485 that records that the user received anoffer to enroll on that date and/or time and for that particular device.After the offer is recorded, the call may proceed in proceedingoperation 465. If the user decides to enroll, enrolling decisionoperation 480 branches to enrollment operation 490 where the user mayenroll in quick access service. Enrolling the user may includeassociating one or more devices with the user and establishing a userverifier such as a PIN. After enrolling, the user may proceed with thecall during proceeding operation 465.

FIGS. 5-7 are a flowchart illustrating a set of operations 500, 600, and700 for authenticating a user during a call and/or enrolling a user inquick access service as described herein. In some embodiments, fewerthan all of the operations are performed, whereas in other embodimentsadditional operations are performed. Moreover, in some embodiments, theoperations may be performed in different orders or in parallel. Theoperations can be performed by various components in FIGS. 1 and 2 suchas memory 205, processor(s) 210, profile module 215, call receivingmodule 220, enrollment status determining module 225, identificationmodule 230, verification module 235, authentication module 240,enrollment module 245, call history module 250, and GUI generationmodule 255.

Receiving operation 505 receives a call from a device. Using a deviceidentifier, determining device status operation 510 can determine thatthe device is associated with a user profile but not enrolled in thequick access service. Authenticating operation 515 authenticates theuser using non-quick access service authentication methods (e.g.,identify with member number, address, birth date, etc., and verify withanswer to security question, social security number, etc.). Once theuser is authenticated, decision operation 520 determines whether theuser is enrolled in the quick access service. If the user is notenrolled in the quick access service, decision operation branches to A,enrollment operation 525, which is further described with regard to FIG.6.

If the user is enrolled in the quick access service, decision operationbranches to decision operation 530 to determine whether the user wantsto enroll the device in the quick access service. If the user does notwant to enroll the device in the quick access service, the call proceedsin proceeding operation 535. On the other hand, if the user wants toenroll the device in the quick access service, the device is added tothe user profile and the quick access service is enabled for the devicein enrolling operation 540. The call proceeds in proceeding operation545.

In FIG. 6, if the user is not enrolled in the quick access system, thesystem determines whether the user device is unique to the user's userprofile in unique device decision operation 605. If the device is notunique to the user's user profile (i.e., the device is associated withother user profiles), the call proceeds without an enrollment offer inproceeding operation 610. If the device is unique to the user's userprofile, unique device decision operation 605 branches to recent offerdecision operation 615 to determine whether the user has been presentedwith an offer to enroll in the quick access service recently (e.g.,within the past week, six months, etc.). If the user has been presentedwith an offer within a predetermined period of time, the call proceedswithout an enrollment offer in proceeding operation 620. If the user hasnot been presented with an offer to enroll in the quick access servicerecently, then recent offer decision operation 615 branches to minimumregistration time decision operation 625 to determine whether the devicehas been associated with the user profile for a minimum period of time(e.g., a month).

If the device has not been associated with the user profile for aminimum period of time, minimum registration time decision operation 625branches to proceeding operation 630, where the call proceeds without anenrollment offer. If the device has been associated with the userprofile for a minimum period of time, minimum registration time decisionoperation 625 branches to user verifier decision operation 635 todetermine whether the user has a user verifier (e.g., PIN). If the userdoes not have a user verifier, the call proceeds in proceeding operation640 without an enrollment offer. If the user has a user verifier, userverifier decision operation 635 branches to lock out decision operation645 in which the system determines whether the user verifier is lockedout (e.g., too many attempts). If the user verifier is locked out, lockout decision operation 645 branches to proceeding operation 650 for thecall to proceed without an enrollment offer. If the user verifier is notlocked out, lock out decision operation 615 branches to B, element 655,which is described in FIG. 7.

In FIG. 7, presenting operation 705 presents the user with an enrollmentoffer. This offer can be presented verbally on a call, in a text messageor email, or any other communication method. Decision operation 710identifies whether the user wants to enroll in the quick access service.If the user does not want to enroll, updating operation 715 updates thehistory associated with the user so that the user is not asked againwithin a certain period of time. In some embodiment, the user is madeaware that the user can enroll later (e.g., by calling, accessing a webportal). The call then proceeds in proceeding operation 720.

If the user wants to enroll in the quick access service, the userverifier is requested in requesting operation 725. Decision block 730determines whether the user verifier received from the user is valid. Ifthe user verifier is not valid or the user does not know the user's userverifier, the user may be transferred to a representative intransferring operation 735. If the user verifier is valid, the user andthe user verifier are enrolled in the quick access service in enrollingoperation 740.

FIG. 8 illustrates an example of a user interface that may be used inconnection with a call system. A user can enroll in the quick accessservice by selecting “enable” (element 805) on a user interface, such asthe user interface depicted in FIG. 8. In some embodiments, a selectablelisting of the devices associated with the user may be displayed, andthe user may select which devices should be enrolled in the quick accessservice.

Computer System Overview

Embodiments of the present disclosure include various steps andoperations, which have been described above. A variety of these stepsand operations may be performed by hardware components or may beembodied in machine-executable instructions, which may be used to causea general-purpose or special-purpose processor programmed with theinstructions to perform the steps. Alternatively, the steps may beperformed by a combination of hardware, software, and/or firmware. Assuch, FIG. 9 is an example of a computer system 900 with whichembodiments of the present disclosure may be utilized. According to thepresent example, the computer system includes a bus 910, at least oneprocessor 920, at least one communication port 930, a main memory 940, aremovable storage media 950, a read only memory 960, and a mass storage970.

Processor(s) 920 can be any known processor, such as, but not limitedto, an Intel® Itanium® or Itanium 2® processor(s), or AMD® Opteron® orAthlon MP® processor(s), or Motorola® lines of processors. Communicationport(s) 930 can be any of an RS-232 port for use with a modem-baseddialup connection, a 10/100 Ethernet port, or a Gigabit port usingcopper or fiber. Communication port(s) 930 may be chosen depending on anetwork such a Local Area Network (LAN), Wide Area Network (WAN), or anynetwork to which the computer system 900 connects.

Main memory 940 can be Random Access Memory (RAM), or any other dynamicstorage device(s) commonly known in the art. Read only memory 960 can beany static storage device(s) such as Programmable Read Only Memory(PROM) chips for storing static information, such as instructions forprocessor 920.

Mass storage 970 can be used to store information and instructions. Forexample, hard disks such as the Adaptec® family of SCSI drives, anoptical disc, an array of disks such as RAID, such as the Adaptec familyof RAID drives, or any other mass storage devices may be used.

Bus 910 communicatively couples processor(s) 920 with the other memory,storage, and communication blocks. Bus 910 can be a PCI/PCI-X- orSCSI-based system bus, depending on the storage devices used.

Removable storage media 950 can be any kind of external hard-drives,floppy drives, IOMEGA® Zip Drives, Compact Disc-Read Only Memory(CD-ROM), Compact Disc-Re-Writable (CD-RW), Digital Video Disc-Read OnlyMemory (DVD-ROM).

The components described above are meant to exemplify some types ofpossibilities. In no way should the aforementioned examples limit thedisclosure, as they are only exemplary embodiments.

Terminology

Brief definitions of terms, abbreviations, and phrases used throughoutthis application and the appendices are given below.

The terms “connected” or “coupled” and related terms are used in anoperational sense and are not necessarily limited to a direct physicalconnection or coupling. Thus, for example, two devices may be coupleddirectly, or via one or more intermediary media or devices. As anotherexample, devices may be coupled in such a way that information can bepassed therebetween, while not sharing any physical connection with oneanother. Based on the disclosure provided herein, one of ordinary skillin the art will appreciate a variety of ways in which connection orcoupling exists in accordance with the aforementioned definition.

The phrases “in some embodiments,” “according to some embodiments,” “inthe embodiments shown,” “in other embodiments,” “embodiments,” and thelike generally mean that the particular feature, structure, orcharacteristic following the phrase is included in at least oneembodiment of the present disclosure and may be included in more thanone embodiment of the present disclosure. In addition, such phrases donot necessarily refer to the same embodiments or to differentembodiments.

If the specification states a component or feature “may,” “can,”“could,” or “might” be included or have a characteristic, thatparticular component or feature is not required to be included or havethe characteristic.

The term “responsive” includes completely or partially responsive.

The term “module” refers broadly to a software, hardware, or firmware(or any combination thereof) component. Modules are typically functionalcomponents that can generate useful data or other output using specifiedinput(s). A module may or may not be self-contained. An applicationprogram (also called an “application”) may include one or more modules,or a module can include one or more application programs.

The term “network” generally refers to a group of interconnected devicescapable of exchanging information. A network may be as few as severalpersonal computers on a Local Area Network (LAN) or as large as theInternet, a worldwide network of computers. As used herein, “network” isintended to encompass any network capable of transmitting informationfrom one entity to another. In some cases, a network may be comprised ofmultiple networks, even multiple heterogeneous networks, such as one ormore border networks, voice networks, broadband networks, financialnetworks, service provider networks, Internet Service Provider (ISP)networks, and/or Public Switched Telephone Networks (PSTNs),interconnected via gateways operable to facilitate communicationsbetween and among the various networks.

Also, for the sake of illustration, various embodiments of the presentdisclosure have herein been described in the context of computerprograms, physical components, and logical interactions within moderncomputer networks. Importantly, while these embodiments describe variousembodiments of the present disclosure in relation to modern computernetworks and programs, the method and apparatus described herein areequally applicable to other systems, devices, and networks, as oneskilled in the art will appreciate. As such, the illustratedapplications of the embodiments of the present disclosure are not meantto be limiting, but instead are examples. Other systems, devices, andnetworks to which embodiments of the present disclosure are applicableinclude, but are not limited to, other types of communication andcomputer devices and systems. More specifically, embodiments areapplicable to communication systems, services, and devices such as cellphone networks and compatible devices. In addition, embodiments areapplicable to all levels of computing, from the personal computer tolarge network mainframes and servers.

In conclusion, the present disclosure discloses novel systems, methods,and arrangements for authenticating a user on a call. While detaileddescriptions of one or more embodiments of the disclosure have beengiven above, various alternatives, modifications, and equivalents willbe apparent to those skilled in the art without varying from the spiritof the disclosure. For example, while the embodiments described aboverefer to particular features, the scope of this disclosure also includesembodiments having different combinations of features and embodimentsthat do not include all of the described features. Accordingly, thescope of the present disclosure is intended to embrace all suchalternatives, modifications, and variations as fall within the scope ofthe claims, together with all equivalents thereof. Therefore, the abovedescription should not be taken as limiting.

What is claimed is:
 1. A computer-implemented method comprising:receiving, via a communications network, a call from a caller made via adevice, wherein the device is identified by a unique identifier;identifying, by a processor, a user profile of a user associated withthe device based on the unique identifier; determining, by theprocessor, an enrollment status in a quick access service of the devicefrom the user profile, wherein the quick access service allows the userto be authenticated by providing only a user verifier that does notinclude personally identifiable information; and when the device is notenrolled in the quick access service: determining a length of time thedevice has been associated with the user profile, and offering to enrollthe device into the quick access service when the length of time thedevice has been associated with the user profile exceeds a thresholdperiod of time.
 2. The computer-implemented method of claim 1, whereinwhen the length of time the device has been associated with the userprofile does not exceed the threshold period of time, the method furthercomprises: requesting personally identifiable information prior toauthenticating the caller; and authenticating the caller as the userafter verifying the personally identifiable information.
 3. Thecomputer-implemented method of claim 1, wherein when the device isassociated with zero user profiles or more than one user profile, themethod further comprises: requiring personally identifiable informationprior to authenticating the caller.
 4. The computer-implemented methodof claim 1, wherein the method further comprises passively collectingthe unique identifier from the device.
 5. The computer-implementedmethod of claim 1, wherein the unique device identifier is a phonenumber associated with the device, and wherein the user verifier is apersonal identification number.
 6. The computer-implemented method ofclaim 1, further comprising: when the device is enrolled in the quickaccess service: requesting, from the caller, the user verifierassociated with the user profile, receiving, from the caller, the userverifier, verifying an identity of the caller by comparing the userverifier received from the caller with the user verifier associated withthe user profile, and authenticating the caller as the user afterverifying that the user verifier received from the caller matches theuser verifier associated with the user profile.
 7. Thecomputer-implemented method of claim 1, further comprising enrolling thedevice and other devices associated with the user profile into the quickaccess service after the caller accepts the offer to enroll the device.8. A non-transitory, computer-readable medium storing instructions that,when executed by at least one computing device, cause the computingdevice to perform operations comprising: receiving, via a communicationsnetwork, a call from a caller made via a device, wherein the device isidentified by a unique identifier; identifying a user profile of a userassociated with the device based on the unique identifier; determiningan enrollment status in a quick access service of the device from theuser profile, wherein the quick access service allows the user to beauthenticated by providing only a user verifier that does not includepersonally identifiable information; and when the device is not enrolledin the quick access service: determining a length of time the device hasbeen associated with the user profile, and offering to enroll the deviceinto the quick access service when the length of time the device hasbeen associated with the user profile exceeds a threshold period oftime.
 9. The non-transitory, computer-readable medium of claim 8,wherein the operations further comprise: when the length of time thedevice has been associated with the user profile does not exceed thethreshold period of time: requesting personally identifiable informationprior to authenticating the caller; and authenticating the caller as theuser after verifying the personally identifiable information.
 10. Thenon-transitory, computer-readable medium of claim 8, wherein theoperations further comprise: requiring personally identifiableinformation prior to authenticating the caller when the device isassociated with zero user profiles or more than one user profile. 11.The non-transitory, computer-readable medium of claim 8, wherein theoperations further comprise: passively collecting the unique identifierfrom the device.
 12. The non-transitory, computer-readable medium ofclaim 8, wherein the unique device identifier is a phone numberassociated with the device, and wherein the user verifier is a personalidentification number.
 13. The non-transitory, computer-readable mediumof claim 8, wherein the operations further comprise: when the device isenrolled in the quick access service: requesting, from the caller, theuser verifier associated with the user profile, receiving, from thecaller, the user verifier, verifying an identity of the caller bycomparing the user verifier received from the caller with the userverifier associated with the user profile, and authenticating the calleras the user after verifying that the user verifier received from thecaller matches the user verifier associated with the user profile. 14.The non-transitory, computer-readable medium of claim 8, wherein theinstructions, when executed by the at least one computing device,further cause the computing device to perform operations comprising:enrolling the device and other devices associated with the user profileinto the quick access service after the caller accepts the offer toenroll the device.
 15. A system comprising: at least one processor; atleast one memory comprising instructions configured to cause the atleast one processor to perform a method comprising: receiving, via acommunications network, a call from a caller made via a device, whereinthe device is identified by a unique identifier; identifying a userprofile of a user associated with the device based on the uniqueidentifier; determining an enrollment status in a quick access serviceof the device from the user profile, wherein the quick access serviceallows the user to be authenticated by providing only a user verifierthat does not include personally identifiable information; and when thedevice is not enrolled in the quick access service: determining a lengthof time the device has been associated with the user profile, andoffering to enroll the device into the quick access service when thelength of time the device has been associated with the user profileexceeds a threshold period of time.
 16. The system of claim 15, whereinthe method performed by the at least one processor further comprises:when the length of time the device has been associated with the userprofile does not exceed the threshold period of time: requestingpersonally identifiable information prior to authenticating the caller;and authenticating the caller as the user after verifying the personallyidentifiable information.
 17. The system of claim 15, wherein the methodperformed by the at least one processor further comprises: requiringpersonally identifiable information prior to authenticating the callerwhen the device is associated with zero user profiles or more than oneuser profile.
 18. The system of claim 15, wherein the method performedby the at least one processor further comprises: passively collectingthe unique identifier from the device.
 19. The system of claim 15,wherein the unique device identifier is a phone number associated withthe device, and wherein the user verifier is a personal identificationnumber.
 20. The system of claim 15, wherein the method performed by theat least one processor further comprises: when the device is enrolled inthe quick access service: requesting, from the caller, the user verifierassociated with the user profile, receiving, from the caller, the userverifier, verifying an identity of the caller by comparing the userverifier received from the caller with the user verifier associated withthe user profile, and authenticating the caller as the user afterverifying that the user verifier received from the caller matches theuser verifier associated with the user profile.